Thanks hborre -- so far, with the piece of clothing I've been using, I've been getting pretty good results, I'll have to post a render here when I'm able to shortly.   I just have to be able to now get it to properly save it so that when I go back into the scene after closing its still like that.

Is this a case again where I have to "Lock Actor" for it to be remembered when I re-open the scene after shutting down?

 

 

Poser Pro 2012/3DS Max 2013/Adobe Photoshop Elements 10/Zbrush/

PC: HP Z820 Workstation, 3.30 ghz 8 core Intel Processor, 2gig nvidia Quadro, 16 gig of Ram and 2TB Hard Drive.